A new global business integrating our retail and commercial banking business to better serve our customers, improve efficiency and drive value creation.

• Continue the transformation of our operating model, which leverages our unique combination of Group scale and local presence. This operating model is centred around three strategic pillars:
  
  
  • Customer experience
    
    
  • Operational leverage
    
    
  • Global technology platform

• Transform our business model, deepening value creation and positioning the customer at the centre of our management
  
  
• Strengthen structural efficiency on the back of the transformation of our operating and business models to drive structural efficiency improvements